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Qilu Network Lightning News June 18 news "financing is difficult, financing is expensive", is a problem faced by the development of technology-based small and medium-sized enterprises. Wucheng County, Dezhou City, making full use of the risk compensation policy of the provincial and municipal scientific and technological achievements transformation loans, and with the help of the government's "golden credit" support, helped 14 technology-based small and medium-sized enterprises apply for provincial scientific and technological achievements transformation loans, with a record amount of 78.5 million yuan, introducing financial vitality for the transformation and upgrading of the science and technology industry.
Not long ago, Shandong Junang New Material Technology Co., Ltd. newly developed automotive guide groove seals successfully rolled off the production line, and this batch of new products greatly improved the output value of the enterprise. Gao Yongfeng, director of the company's technical department, said, "The price of new products is twice that of ordinary products, but the production efficiency is the same as that of traditional products, that is, under the same efficiency, the company's output value can be more than doubled." ”
New products with doubled value are inseparable from a large amount of R & D investment. In the past, the company has long cooperated with baiclic new energy, Brilliance, Qingdao FAW and other well-known automobile companies. However, due to the high requirements of these car companies for products, Junang Company has to spend "heavy money" every year for scientific and technological research and development. Gao Yongfeng said, "The amount of funds required for scientific and technological research and development is relatively large, the research and development costs of ordinary products are about hundreds of thousands to millions of yuan, and the research and development costs of this new product are about tens of millions of yuan." ”
Research and development and production of new products, the introduction of advanced equipment, etc., all need to supplement working capital. However, due to the inability to provide effective guarantees, enterprises have repeatedly encountered a wall when applying for loans from banks. The turning point occurred last year, the dezhou municipal science and technology department signed a business cooperation agreement on risk compensation for the transformation of scientific and technological achievements with a number of banking institutions, and Wucheng County also solicited the financing needs of provincial and municipal technology-based small and medium-sized enterprises, which were centrally fed back to the banks, and the banks carried out business "according to Tu Suoji".
Zhang Zhigang, director of the business development department of the Wucheng branch of the Bank of China, said, "We communicated with the enterprise for the first time, tailored the credit scheme for the enterprise, and handled a loan of 3 million yuan for the transformation of scientific and technological achievements, which effectively alleviated the financial pressure of the enterprise." ”
It is understood that the risk compensation fund has also been set up in the cooperation agreement on the risk compensation business of the transformation of scientific and technological achievements, and the funds are arranged by the provincial and municipal financial budgets, which are specially used for the compensation of non-performing principal losses incurred by the loan. Up to now, a total of 14 technology-based small and medium-sized enterprises in Wucheng County have enjoyed the provincial scientific and technological achievements transformation loans, with a record amount of 78.5 million yuan.
Zhou Mengmeng, director of the high-tech talent achievement unit of Wucheng County Science and Technology Service Center, said, "The provincial and municipal finances give 35% risk compensation according to the non-performing principal of the recorded loans, which can dispel the loan concerns of financial institutions and let them lend with peace of mind." At the same time, enterprises can directly lend without providing any guarantees, which also solves the problem of 'card neck' of enterprises. ”
Lightning News Reporter Liu Zhen Dezhou Taiwan Wang Yi Wucheng Rong Media Liu Shengju Fang Mingwei Texas report